Travel Insurance You Can Trust

Where are you going?

Destination *

Area of travel

Select a region that best covers your travel plans. The region you choose should include all the countries you are travelling to. For example

- if you are travelling the USA and Europe, you must select Worldwide as this will cover both areas.
- if you are travelling to France and the UK, you must select Europe, Asia and the Middle East as your area/region of travel.

The Americas and Africa

Algeria

Angola

Anguilla

Antarctica (Cruising)

Antigua and Barbuda

Argentina

Aruba

Ascension Island

Azores

Bahamas

Barbados

Belize

Benin

Bermuda

Bolivia

Botswana

Brazil

Burkina Faso

Burundi

Cameroon

Canada

Canary Island

Cayman Islands

Central African Republic

Chad

Chile

Colombia

Comoros

Congo, Democratic Republic

Congo, Republic

Costa Rica

Cuba

Dominican Rep.

Ecuador

Egypt

El Salvador

Eritrea

Ethiopia

Falkland Islands

French Guiana

Gambia

Ghana

Greenland

Grenada

Guadeloupe

Guatemala

Guinea

Guinea-Bissau

Guyana

Haiti

Hawaii (Select USA)

Honduras

Ivory Coast

Jamaica

Kenya

Lesotho

Liberia

Libya

Madagascar

Malawi

Mali

Martinique

Mauritania

Mauritius

Mexico

Morocco

Mozambique

Namibia

Netherlands Antilles

Nicaragua

Niger

Nigeria

Panama

Paraguay

Peru

Puerto Rico

Reunion

Rwanda

Sao Tome and Principe

Senegal

Seychelles

Sierra Leone

Somalia

South Africa

St. Kitts & Nevis

St. Lucia

St. Vincent & Grenadines

Sudan

Suriname

Swaziland

Tanzania

Togo

Trinidad & Tobago

Tunisia

Uganda

United States of America

Uruguay

Venezuela

Virgin Islands

Zambia

Zimbabwe

Europe, Asia, and the Middle East

Afghanistan

Albania

Andorra

Armenia

Austria

Azerbaijan

Bahrain

Bangladesh

Belarus

Belgium

Bhutan

Bosnia

Bulgaria

China

Croatia

Cyprus

Czech Republic

Denmark

Dubai (Select United Arab Emirates)

Estonia

Faroe Islands

Finland

France

Georgia

Germany

Gibraltar

Greece

Hong Kong

Hungary

Iceland

India

Iran

Iraq

Ireland

Israel

Italy

Japan

Jordan

Kazakhstan

Korea (north)

Korea (south)

Kosovo

Kuwait

Kyrgyzstan

Latvia

Lebanon

Liechtenstein

Lithuania

Luxembourg

Macau (Select China)

Macedonia

Maldives

Malta

Moldova

Monaco

Mongolia

Montenegro

Myanmar (Burma)

Nepal

Netherlands

Norway

Oman

Pakistan

Palestine

Poland

Portugal

Qatar

Romania

Russia

Saudi Arabia

Serbia

Slovakia

Slovenia

Spain

Sri Lanka

Sweden

Switzerland

Syria

Tajikistan

Turkey

Turkmenistan

Ukraine

United Arab Emirates

Uzbekistan

Yemen

UK and South East Asia

Brunei

Cambodia

England (Select United Kingdom)

Laos

Malaysia

Mongolia

Northern Ireland (Select United Kingdom)

Philippines

Scotland (Select United Kingdom)

Singapore

Taiwan

Thailand

United Kingdom

Vietnam

Wales (Select United Kingdom)

Indonesia, South West Pacific and New Zealand

American Samoa

Bali (select Indonesia)

Cook Islands

East Timor

Federated States of Micronesia

Fiji

French Polynesia

Guam

Indonesia

Kiribati

Marshall Islands

Micronesia

Nauru

New Caledonia

New Zealand

Northern Marianas

Palau

Papua New Guinea

Samoa

Solomon Islands

Tahiti (select French Polynesia)

Tonga

Tuvalu

Vanuatu

Western Samoa

Australia

Australia

Domestic Cruise

Antarctica-Sightseeing Flight

Norfolk Island

When is your trip?

departuredate *

Jan222019

returndate *

Jan222019

Date of travel

Travel start date

Single trips

Annual multi-trips

The date you depart Australia

Cover under the Amendment or Cancellation Costs Benefit begins from the time you buy your policy.

Cover under all other sections begins from the Travel Start Date you select.

The date your policy will commence

Cover under the Amendment or Cancellation Costs Benefit begins from the time you buy your policy.

For further information, we recommend you read the definition of 'Relevant Time' in the Policy Wording.

Travel End Date

Single trips

Annual multi-trips

The date you return to Australia

Regardless of what you enter as the Travel End Date, you will be quoted for a 12 month Annual Multi-Trip.

For further information we recommend that you read the definition of 'Relevant Time' in the Policy Wording.

Age of Each Traveller at Issue Date

General exclusions for Cover-More Direct policies

Before you decide on our travel insurance, it’s important you know what you’re buying. Travel insurance is designed to protect you for a number of things that can go wrong while on holidays – but it won’t cover you for everything. Be sure to read the relevant Product Disclosure Statement and Policy Conditions. Check out our General Exclusions below.

We will not pay for:

Claims for costs or expenses incurred outside the Period Of Insurance.

Claims involving consequential loss of any kind including, but not limited to, loss of enjoyment or any financial loss not specifically covered in the policy.

Claims directly or indirectly arising from loss, theft or damage to property, or death, illness or bodily injury if You fail to take reasonable care or put Yourself in a situation where a reasonable person could foresee that loss, theft or damage to property, or a death, illness or bodily injury might happen.

Claims involving air travel other than as a passenger on a fully licensed passenger carrying aircraft operated by an airline or an air charter company.

Claims arising as a result of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

Claims arising directly or indirectly from any nuclear reaction or contamination, ionising rays or radioactivity.

Loss or damage caused by detention, confiscation or destruction by customs or other officials or authorities.

Claims arising from any unlawful act committed by You or if You have not been honest and frank with all answers, the accuracy of information, statements and submissions made in connection with Your insurance application or claim.

Claims arising from any government intervention, prohibition, regulation or restriction or court order.

Claims directly or indirectly arising from circumstances You knew of, or a reasonable person in Your circumstances would know or foresee, at the Relevant Time, that could lead to the Journey being delayed, abandoned or cancelled.

Claims directly or indirectly arising from travel booked or undertaken by You:
a) even though You knew, or a reasonable person in Your circumstances would know, You were unfit to travel, whether or not You had sought medical advice;
b) against the advice of a medical practitioner;
c) to seek or obtain medical or dental advice, treatment or review; or
d) to participate in a clinical trial.

Claims in respect of travel booked or undertaken after Your Terminal Illness was diagnosed.

Claims directly or indirectly arising from or exacerbated by Your Existing Medical Condition of Cardiovascular Disease, chronic lung condition or other heart/cardiovascular/respiratory system problem and any subsequent condition including an acute respiratory condition, Heart Attack, new infection or Stroke.

Claims directly or indirectly arising from or exacerbated by Your Existing Medical Condition of reduced immunity.

Claims directly or indirectly arising from pregnancy of You or any other person if You are aware of the pregnancy at the Relevant Time and:
a) where complications of this pregnancy or any previous pregnancy had occurred prior to this time;
b) it was a multiple pregnancy e.g. twins or triplets; or
c) where the conception was medically assisted e.g. using assisted fertility treatment including hormone therapies or IVF.

Claims directly or indirectly arising from:
a) pregnancy of You or any other person after the start of the 24th week of pregnancy; or
b) pregnancy of You or any other person where the problem arising is not an unexpected serious medical complication.

Claims directly or indirectly arising from childbirth or the health of a newborn child whatever the proximate cause of the claim is. This exclusion applies irrespective of the stage of pregnancy at which the child is born.

Claims directly or indirectly arising from You having elective medical or dental treatment or surgery, a cosmetic procedure or body modification (including tattoos and piercings) during the Journey.

Claims involving or directly or indirectly arising from Your suicide, attempted suicide, self-inflicted injury or condition, stress, travel exhaustion, any conduct engaged in whilst under the influence or effect of alcohol or drugs, the effect of or chronic use of alcohol or drugs or the transmission of any sexually transmittable disease or virus.

Claims directly or indirectly arising from or exacerbated by the health of a Relative or Your business partner who are not travelling, unless that person lives in Australia and at the Relevant Time that person:
a) had not been hospitalised in the previous 2 years for a condition that was directly or indirectly arising from or related to the condition that caused the claim;
b) did not reside in a nursing home or require similar home care assistance;
c) was not on a waiting list for, or did not know they needed surgery, inpatient treatment or tests at a hospital or clinic;
d) did not have a drug or alcohol addiction; and e) did not have a Terminal Illness.

Claims directly or indirectly arising from, or exacerbated by the health of any other person (not listed in point 21 above) who is known to You prior to the Relevant Time.

Any Goods and Services Tax (GST) liability or any fine, charge or penalty You are liable for because of a failure to fully disclose to Us Your input tax credit entitlement for the Amount Payable.

Losses for which insurance or the payment is prohibited by law.

Claims arising from the failure of any travel agent, tour operator, accommodation provider, airline or other carrier, car rental agency or any other travel or tourism services provider to provide services or accommodation due to their Insolvency or the Insolvency of any person, company or organisation they deal with.

Claims involving You travelling (during the Journey) in International Waters in a private sailing vessel or a privately registered vessel.

Claims involving participation by You or Your travelling companion in hunting; racing (other than on foot); polo playing; hang gliding; off-piste snow skiing or snowboarding; rodeo riding; BASE jumping; moto cross; freestyle BMX riding; running with the bulls; sports activities in a Professional capacity; mountaineering or rock climbing using guides, ropes, rock climbing equipment or oxygen; scuba diving unless You hold an Open Water Diving Certificate or are diving with a qualified diving instructor.

Claims involving participation by You (during the Journey) in motorcycling for any purpose.

Claims involving participation by You (during the Journey) in On-Piste snow skiing, On-Piste snowboarding or snowmobiling.

Claims directly or indirectly for or related to Your cruise, any cruise travel or that arise whilst on a cruise.